619-841-7923

What Company Is Calling Me From 619-841-7923? Are They A Scam And Why Are They Calling Me?

First, determine if the phone number 619-841-7923 is from Chula Vista, California and is associated with Midland Credit, a debt collection agency. If you have received a call for debt collection purposes, it could be from a real debt collector or a scammer pretending to be one. To verify the reason for the call and the legitimacy of any alleged debt, it is crucial to exercise caution and confirm the information with the company or proper authorities. Remember to protect yourself from scams and harassment by following guidelines, such as blocking unwanted calls and seeking assistance from a credit counselor or attorney if needed.

How Can I Block Or Stop Calls From 619-841-7923?

To block or stop calls from 619-841-7923, follow these steps:

1. Let unknown calls go to voicemail and avoid answering directly. This will help you identify if it’s a debt collector.

2. Once you’ve identified the caller as a debt collector, contact your phone carrier to block the number or use call blocking apps to prevent future calls.

3. Formally request no further contact by sending a cease and desist letter. Keep detailed records of calls and any correspondence.

4. Address any underlying debt by consulting a non-profit credit counselor or speaking to a consumer protection attorney.

5. Be cautious, as some negative feedback suggests potential scams and harassment. Always verify the caller’s identity and follow the Fair Debt Collection Practices Act (FDCPA) guidelines to protect yourself.

Is 619-841-7923 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from 619-841-7923 and suspect it’s violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to verify the debt’s legitimacy and the caller’s identity. Document the date, time, frequency, and details of all calls, especially if they involve abusive language.

If the calls are harassing or violating the FDCPA, you can revoke consent for calls outside of normal business hours and request no calls to your workplace. Sending a cease and desist letter or verbally asking the collector to stop can also help.

Should the calls continue to violate the FDCPA, report the violations to the Consumer Financial Protection Bureau, consult a consumer protection attorney, contact your state Attorney General’s office, or seek assistance from a credit counselor. Stay vigilant and cautious, as there have been reports of scams and harassment associated with this number.

If 619-841-7923 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 619-841-7923 is a debt collector, the first step to validate the debt is to send a written debt validation letter to the collector. Request proof of the debt, including the name of the original creditor, the amount owed, and any other relevant details. Carefully review the validation and dispute any inaccuracies or discrepancies in the information provided.

It’s crucial to negotiate a settlement or payment plan that works for you while keeping in mind your rights under the Fair Debt Collection Practices Act (FDCPA). If you feel your rights have been violated, file a complaint with the Federal Trade Commission (FTC) or your state’s attorney general’s office.

Consulting a credit counselor or attorney can provide guidance on debt resolution and legal action, if necessary. Maintain records of all correspondence and calls with the debt collector, and revoke any prior permissions for contact if desired.

Ultimately, being proactive in verifying the debt, understanding your rights, and seeking professional help when needed can help you effectively manage and resolve the situation.

Can 619-841-7923 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like 619-841-7923 is attempting to collect a debt, they have the legal right to sue you to recover the owed amount. This may result in wage garnishment or funds being taken from your bank account. To avoid legal action, you can:

1. Negotiate a payment plan with the collector that is affordable for you.
2. If you cannot pay, provide documentation to support your claim and assert your inability to pay.
3. Seek credit counseling to manage your debt and create a plan to pay it off.
4. Hire a consumer law attorney to represent you in debt-related legal matters.
5. Consider filing for bankruptcy if the debt is overwhelming and beyond your ability to repay.

Before settling on any agreement, ensure you document all interactions with the collector and understand the rights granted to you under the Fair Debt Collection Practices Act (FDCPA) to protect yourself from harassment and illegal collection tactics.

If 619-841-7923 Is A Collection Company, How Can I Remove It From My Credit Report?

First, determine if 619-841-7923 is a legitimate debt collection company by asking for written confirmation of the debt. Review the information for accuracy and dispute any inaccuracies. If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith settlement, or hiring a credit repair service to help remove the negative entry from your credit report. Remember that debts can only be reported for up to seven years, so be patient as time will eventually work in your favor. If you’ve exhausted all other options, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney for further assistance. Maintain detailed records of your efforts throughout this process to ensure you are taking all necessary steps to protect your credit and financial well-being.

What Feedback And Comments Do People Leave About 619-841-7923?

619-841-7923 is a phone number primarily associated with debt collection efforts from Midland Credit in Chula Vista, California. However, it has been the subject of numerous complaints, with users describing it as a scam, harassing, and spam. To protect yourself, ensure you verify the caller’s identity, block unwanted calls, and follow the guidelines set by the Fair Debt Collection Practices Act (FDCPA).

When dealing with any debt collection calls, it is essential to validate any debt, negotiate payment terms, and consult a credit counselor or attorney for assistance. Be cautious when receiving calls from 619-841-7923, as the negative feedback and experiences shared by others suggest potential scams and harassment.